Proper Motor Cover for Couriers
Couriers all over the city, transporting valuable papers, equipment and even scientific samples as quickly as possible. As such, they face numerous risks due to the nature of their job, including accidents, injuries and theft. Whether you are an owner of a courier business, or a courier yourself, you need to be aware of the tremendous risks that drivers face. We have cover for courier insurance, courier van insurance and also courier fleet insurance at competitive rates.
Many courier businesses are unaware that if their drivers are involved in an accident while working and do not have the proper motor insurance, the business itself could be held vicariously liable for compensation or be subject to criminal prosecution. Often neither the driver nor the business owner knows that the driver lacks the proper insurance until it is too late. Ensure your courier business is covered against this liability exposure by assessing your risks and bolstering your insurance policies.
Proper Courier Van Insurance
Couriers need to possess the proper motor insurance to carry out deliveries allowing them to drive without it is against the law and exposes your business to potentially ruinous liability claims if your drivers cause third-party injury or damage. Additionally, police are on the lookout for improperly insured vehicles, which can lead to fines, points and even seizure of the vehicle.
Courier businesses sometimes assume that employees who drive their own vehicles for work will obtain their own motor insurance. But standard private motor insurance policies typically do not cover drivers’ business use of their vehicles they often only cover personal use. However, even if drivers request a business use extension on their policy, business use may not cover courier use.
Drivers typically must extend their private car insurance policies with the purchase of carriage of goods for hire and reward cover. Carriage of goods for hire and reward covers a courier’s liability when something is delivered from one place to another for a fee. Unless the insurer is specifically told that the driver is a courier and attaches the proper hire and reward extension, the courier is likely to be driving without proper cover.
If your business relies on business-owned vehicles for deliveries, such as cars, vans, motorbikes and mopeds, make sure you have a proper commercial motor policy to cover the delivery use of vehicles. Be sure to inform your employers’ liability insurer that you deliver a range of items, as this is a material fact that could void your policy or entitle the insurer to seek compensation from your business if not disclosed.
Whether you require cover for owner drivers or for employees using business-owned vehicles for deliveries, Arkwright Insurance Brokers can help you make sure that your business and its couriers are properly protected.
Ensuring your couriers have proper motor insurance helps transfer liability, but without stressing best practices and training your employees to drive safely, your business is still exposed to a broad range of risk. Communicate the following best practices for safe driving and lone working to your couriers and help them reduce the extra risk they bear:
- Deliver only to buildings that appear occupied—never approach a building that looks unoccupied.
- Bring a torch to illuminate building numbers and dark areas.
- Park under the street light closest to the destination, and avoid parking in isolated areas.
- Lock the car and carry your keys with you.
- Purchase a second set of keys to prevent locking yourself out of the car.
- Walk only in brightly lit areas and stay away from alleys and long passageways.
- Approach the front door of a building—never walk behind a dark building or make a delivery to a side door.
- Keep customers an arm’s distance away from you.
- Carry a mobile phone at all times in case you need to call the business or the police.
- Equip the vehicle with a remote alarm system.
- Communicate constantly with the business so your co-workers know where you are.
- Establish code words to use with the business over the phone in the event of a potentially violent situation.
- Pack a first-aid kit in the vehicle.
- Refrain from keeping valuable personal belongings in the vehicle, or make sure they are not visible from the outside.
- Project confidence by walking upright with your head held high. Communicate directly and assertively.
With proper courier insurance and best practices, you can help ensure your couriers are safe on the job. A safe employee means a more profitable business. Contact Arkwright Insurance Brokers at 01204 392 525 for more information on keeping your couriers safe and securing appropriate cover